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Frequently Asked Questions

All your popular questions answered: what is a mortgage?, how much can I borrow?, etc

Frequently asked questions

What is Adverse Credit

A person with a history of defaults, mortgage arrears, bankruptcy, late payments or County Court Judgments (CCj's) and generally bad credit problems is often described as having Adverse Credit. When individuals make applications for mortgages the lender has the means to search the person's credit file history to determine whether they are credit worthy or not. This is part of the lenders function to protect themselves. Individuals with an Adverse Credit history are often turned down for a mortgage by many high street lenders as they are deemed to be high risk. You will need to apply for an Adverse Credit mortgage or an Adverse Credit re-mortgage.

Thankfully an Adverse Credit history should not prevent you from obtaining a mortgage at sensible rates and on acceptable terms, and our lenders are willing to lend to people who have, or are having problems with debt. This also applies to Adverse Credit remortgages should you wish to remortgage your present property to raise additional capital for any purpose. We are specialists in providing Adverse Credit mortgages and Adverse Credit re-mortgages regardless of your past or present problems. Obviously the type of loan that may be available will be dependant on your particular circumstances which we will need fully assess.

Fill in our No Obligation Enquiry Form below.

Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

No Obligation Enquiry Form

The first step to understanding your mortgage requirements is to simply fill in your details above and click the submit button. There is no obligation and no credit search will take place at this stage. Alternatively, you can call us on 0800 345 7550 (free phone). Please complete all fields marked with an asterisk*.

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  • STATEMENT

    Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

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    Please read these terms and conditions carefully as it is essential that you recognise the nature of the contractual relationships entered into when you use products / services promoted on the Adverse Credit Mortgage website.

    Adverse Credit Mortgage is a trading style of Blue Egg Ltd.

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